Originally Posted by
UKtravelbear
The OP is based in the UK so the rates of interest in the USA are totally irrelevant to them.
Applying for extra credit cards is not always the solution some people think it is. They may not want extra credit.
And people with poor credit shouldn't do leisure travel? How very judgemental of you. Poor credit rating does not always mean the person is cash poor and shouldn't go on holiday!
OP the only way I see to get a BA holiday deposit is to book flight + hotel or flight + car and compare that to booking them separately.
I have not suggested that OP apply for extra credit cards. That is indeed poor practice.
My comment regarding travel by people with poor credit was in response to #5 which suggests that CC rates hover around 30%. Indeed any person who can only obtain a card at such a rate has not "poor credit" but "abysmal credit" of the sort where the entire thread makes no sense for leisure.
UK and US card rates are quite similar because bank rates in general are fairly close at any given time.